The Gemini Credit card pays 4% back on gas, EV charging, and transit with no annual fee, which is a genuinely high rate for a category most cards ignore. The limit is the cap: that 4% applies to the first $300 of combined gas, EV, and transit spending each month and drops to 1% after, with the cap resetting on the 1st, so the top rate is worth at most about $12 a month if you fill it exactly. Dining at 3% and groceries at 2% give it real everyday utility, though everything else sits at 1%, so it is a category card rather than a one-card wallet. There is no foreign transaction fee, which makes it usable abroad, and the APR range runs from 16.49% to 34.49%, so the top end is steep if you carry a balance. There is no signup bonus to sweeten the first year, so judge it purely on whether your monthly commuting spend lands near that $300 ceiling.
Earn rates & credits
| Category | Rate |
|---|---|
Gas Gas, EV charging, and transit combined: 4% on the first $300 in spend per month, then 1%; the cap resets on the 1st of each month on first $300/mo, then 1% | 4% |
Transit Shares the $300/month cap with gas and EV charging, then 1%; the cap resets on the 1st of each month on first $300/mo, then 1% | 4% |
Dining | 3% |
Groceries | 2% |
Everything Else | 1% |
Card details
Regular APR | 16.49%–34.49% variable |
Foreign transaction fee | None |